HSBC Premier Credit Card vs Marriott Bonvoy HDFC Bank Credit Card
A side-by-side breakdown of fees, rewards, lounge access and benefits — so you can pick the right card for your spending.
It's a tie — 3 categories each
Both cards are closely matched. Your choice should come down to which specific benefits matter most for your spending pattern.
Head-to-head comparison
Overview
Expert Score
86/100
85/100
Bank
HSBC
HDFC Bank
Network
Mastercard
Visa
Reward Rate
3%
5.3%
Fees & Charges
Joining Fee
₹12,000
₹3,000
Annual Fee
₹20,000
₹3,000
Forex Markup
0.99%
3.5%
Finance Charges
2.99% per month
3.75% per month
Rewards
Value per Point
—
—
Value Back
Benefits
Domestic Lounge
International Lounge
Dining
Golf
Concierge
Insurance
Travel
Fuel Waiver
Movie Benefits
Pick HSBC Premier Credit Card if…
- You want better expert score
- You want better travel
- You want better fuel waiver
Pick Marriott Bonvoy HDFC Bank Credit Card if…
- You want better joining fee
- You want better annual fee
- You want better golf
Frequently asked questions
Which has a better expert score, HSBC Premier Credit Card or Marriott Bonvoy HDFC Bank Credit Card?+
HSBC Premier Credit Card scores higher at 86/100, compared to 85/100 for the other.
Which card has lower fees?+
HSBC Premier Credit Card costs ₹12,000 to join and ₹20,000 annually. Marriott Bonvoy HDFC Bank Credit Card costs ₹3,000 to join and ₹3,000 annually.
Which card should I pick?+
These cards are evenly matched in our scoring. Pick the one whose specific benefits (lounge, dining, fuel, travel) line up best with how you spend.